Neil here, Just wanted to add my support to the weightloss forum. there was a quote in the first Matrix film that has stuck with me - it relates to a concept called residual self image. In the film a pale emaciated shaven headed Keanu Reeves doesn't see himself as he really is, he sees himself as a ...

Hello again. Just wanted to let you know that HSBC have come through and the additonal mortgage has cleared in my account today. I have already (via the wonders of internet banking) cleared all my un-secured debts (with the exception of my loan which will be repaid in full in 3 years). It has not be...

Just a quick update. I have received , signed and returned the offer docs so well on the road to debt recovery now. I do hope the interest rates stay low for a little while because it helps enormously to not have increasing mortgage repayments at the moment. I recognise this is not ideal for people ...

So here's the latest... after a week of nothing I finally got a response to my enquiries. they receive dthe application forms back on Monday - but did not send them onto the approvals unit till Tuesday. The approvals unit didn't get round to approving it until Thursday - but the good news is that it...

Hello All, another update. Started this thread just over a month ago and feel no better off or closer to a resolution than I di then - and I've been up and down likel a yoyo in the intervening weeks. Anyway, the latest is as follows, further to my post on the 26th I received the new application form...

To be fair to HSBC they have been very accommodating. Have been banking with them for many years and every mortgage I've ever had has been with them. I always look around to see what good deals are available but to be honest for a high street lenfder they've always been competitive and helpful so I ...

ok, here's the latest. Good and bad news. First the good, HSBC are ok to lend the money for the new mortgage on a fixed rate basis for an 85% LTV. Better still they have agreed a more competitive fixed rate than they were discussing before so as to ensure I keep my mortgage with them. Unfortunately ...

Got call from HSBC. Valuation has come in at £200K so dropped by £25K in last 12 months. Current mortgage is £137700 leaving 62K equity. My total debt is £45K. Unfortunately the tracker rate previously offered is for a max LTV of 75% and my LTV after the valuation is now 85%. They can still offer th...

So do I... in a strange way I feel it would be better to go onto a fixed rate anyway because even though I wouldn't benefit from the current low rate in the short term it would protect me from the inevitable rate rises later on guaranteeing the affordability. Then in 3 and a half years when I've cle...

There may yet be light at the end of the tunnel - I can't believe how much I just keep going up and then down then back up again... its almost too much to bear! Anyway, spoke to HSBC, they've not had the results of the Valuation back yet to still waiting to hear - however they did confirm that they ...

I must admit, that there a re a number of people who would happily point the finger at me and say I've been irresponsible, that its all my fault and that I shouldn't complain about it now - and to an extent they are correct. Yes I have been irresponsible as regards my spending, and yes I must should...

Yes, it is especially infuriating when they originally told me that I would not need to have a valuation done as the last one was less than a year old (at the time) and I was looking to borrow 75% of that LTV. Now its closer to 85% LTV (poss 90% LTV) and I'va had to have it valued despite what they ...

Hello everyone, neil35 here under the new guise of neilv35. Largely due to some it problems I have had to re-register as my previous Email account went a bit wrong and I'd foolishly forgotten my password to access the site. Anyway, the latest is that I have had the house re-valued and am awaiting th...